This institution is no longer active

Operations ceased on December 31, 1994. CRA examination history below reflects the period it was active.

FIRST STATE BANK AND TRUST COMPANY

FRANKLINTON, LA · Supervised by FDIC

Est. 1907FDIC #8,530RSSD: FDIC-8530

Satisfactory Same

Current rating · Exam: May 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

946 Pearl Street, FRANKLINTON, LA

County

Washington County

Established

January 1, 1907

Total Assets

$149M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1994Call Report / FDIC

Total Assets

$149M

Total Deposits

$127M

Net Loans

$49M

Net Income

$962K

ROA

0.86%

ROE

6.46%

Risk-Based Capital

36.31%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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